人身保险中故意致害行为之法律效果——以《保险法》第43条为中心

2002年《保险法》第65条是针对故意制造保险事故及道德风险控制的具体规定,2009年修订后《保险法》第43条在旧法的基础上对其进行了调整,更正了一些原先自相矛盾的表述,但仍有许多不合理之处.因此,有必要对故意致害行为、保险人责任、人身保险金分配等问题进行探讨和细化,结合国内外理论与实务研究,提出具体完善建议.     

An authenticated group key distribution scheme for wireless sensor networks

In wireless sensor networks (WSNs), group key distribution is the core of secure communications since sensor nodes usually form groups and cooperate with each other in sensing data collection and in-network processing. In this paper, we present a scalable authenticated scheme for group key distribution based on a combinatorial exclusion basis system (EBS) for efficiency and one-way hash chains for authentication. The proposed scheme guarantees a lightweight authenticated group key updating procedure and is efficient in terms of storage, communication and computation overheads. Foundation item: the National High Technology Research and Development Program (863) of China (Nos. 2006AA01Z436, 2007AA01Z455, and 2007AA01Z473).     

Effects of head restraint and vehicle damage severity on neck injury risk

Domestic automobile insurance claims were investigated to correlate the driver neck injury risk with the safety rating of the head restraint, the severity of vehicle damage, and other human factors. The results of our statistical analysis reveal that the risk of neck injury for the driver is significantly different for vehicle size, use, driver gender, driver age, impact direction, accident location, and safety rating of head restraint, depending on vehicle the damage level which is assumed to imply impact severity during a rear-end crash accident. One of the unique findings from domestic insurance claims from low-speed rear-end crash accidents is the frequent reports of lower back injury together with whiplash. Thus, the risk of lower back discomfort is also included in this statistical analysis.     

铁路货物保价运输CRM系统的研究

目前,铁路保价与货物运输保险行业竞争激烈.为做好铁路保价管理信息化建设,提高竞争力,借鉴保险行业客户关系管理(CRM)系统,提出铁路保价管理CRM系统的功能以及结构设计.     

第三方物流保险现状及发展对策

随着现代物流业的兴起,第三方物流企业为客户提供越来越便利的一体化物流服务的同时,也承担着越来越大的风险,随时可能发生的货物破损、野蛮装卸、误时配送、偷盗灭失、变质串味等风险都可能导致托运方提出索赔。因此第三方物流业的发展迫切要求保险业提供支持,把经营过程中涉及的赔偿风险转移至保险公司,从而将企业风险降到最低限度。     

浅论油污强制责任保险扩大化的必要性和作用

随着我国经济的发展和经济全球化的加快,我国的航运业务激增,船舶油污事件发生的几率也相应地提高。当前沿海或内河液体货物危险品运输实行油污强制责任保险制度的呼声很高。本文将对海上油污强制责任保险扩大化的必要性和作用进行分析。     

机动车第三者责任强制保险制度若干问题探讨

《道路交通安全法》所确立的机动车第三者责任强制保险制度是在原先“商业三者险”基础上的改进。但两者在设置目的、发生机制、归责原则以及操作管理模式等方面均存在着诸多不同之处。目前保险公司承保的“机动车第三者责任保险”作为《机动车第三者责任强制保险条例》正式颁布之前的一种过渡性措施,具有“机动车第三者责任强制保险”的一般法律属性。但在司法实践中对于诉讼程序、归责原则、责任限额等问题仍须进行正确地理解与适用。